F1TITLE I VALUATION AND RISK-BASED CAPITAL REQUIREMENTS (PILLAR I), ENHANCED GOVERNANCE (PILLAR II) AND INCREASED TRANSPARENCY (PILLAR III) F1CHAPTER IXSYSTEM OF GOVERNANCEF1SECTION 3Fit and proper requirements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .